Exchange Alipay CNY to UnionPay Card CNY

You give Alipay CNY
Skrill USD
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Payoneer USD
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Alipay CNY
WeChat CNY
Volet.com (ex. Advanced Cash) RUB
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Payeer RUB
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Binance USD BEP20 BUSD
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DAI DAI
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Bitcoin BTC
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TON TON
Ethereum BEP20 (BSC) ETH
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ChainLink BEP20 LINK
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Cosmos BEP20 ATOM
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IOTA BEP20 IOTA
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Ethereum Classic BEP20 ETC
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More trading pairs
Amount
From account
Alipay account email
E-mail
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You get UnionPay Card CNY
Visa / MasterCard CNY
UnionPay Card CNY
Neteller USD
More trading pairs
Amount to get
To card (number)
Bank code
Cardholder name
it is required to agree to the rules
I have read and agree with exchange rules and AML policy
it is necessary to give consent
I consent to the processing of my personal data and accept the terms of User Agreement.
Attention! Most payments to Visa / MasterCard are credited within 30-60 minutes, but in rare cases delays up to 5 business days are possible..

We withdraw to almost every country in the world, but before exchanging money we recommend to check with the operator whether it is possible to withdraw to your country.

If the payment to your bank card is rejected by the beneficiary bank for any reason (exceeding the card limits, card blocking, card issue less than 2 days ago, etc.) you will be given a choice:
— make an exchange to another destination;
— make a refund minus a 3% commission and a sending fee (according to our refund policy).

In rare cases, we may ask you for additional information about the recipient in order to expedite the exchange.
We do AML checks on the funds we receive. Please read our AML policy carefully before paying for order.
Instructions: Exchange Alipay CNY to UnionPay Card CNY
To make the exchange you need to perform the following steps:
1.
Fill out all the fields in the form above ↑.
2.
Read our the Terms of Service, and if you accept them, check the appropriate box.
3.
Please read and accept the User Agreement and agree to the processing of your personal information by checking the appropriate box.
4.
Press the "Start Exchange" button.
i.
If the exchange rate of the received or given asset to the dollar on Binance changes by more than 5%, the service reserves the right to recalculate the exchange rate at the time of receipt of payment.
i.
The first exchange in this pair may require user verification (KYC — Know Your Client). Verification requires a picture of your plastic card in the background of the application page.
i.
The bank may charge a fee when transferring fund to you if your region and the region of the recipient of the payment (exchange office) are different. You can find out the amount of the fee from the bank's support service.
5.
Pay the order by transferring the exact amount to the credentials specified in the description.
i.
Rate is fixed when the order is created, if the customer has paid within 30 minutes after creation. If the payment is not received within 30 minutes → the order is automatically deleted. You can create a new order if you need.
i.
In this trading pair only internal bank (payment system) transfers are accepted, we do not accept payments from credit cards and third-party payment systems (aggregators).
6.
After making the payment → click the "I have paid" button.
i.
If the client has paid the order, but due to circumstances wants to cancel the exchange, the return of funds is minus 5% of the payment amount + commission within the payment system and the difference in the exchange rate.
7.
Wait for the transfer of funds from the service to the credentials you specified. All information and transfer status can be viewed on the page "Status of the request", which opens immediately after order was created.
i.
Note: The operator online status is required to perform the exchange (operator status is listed in the bottom right corner of the page). If you have any questions, please contact the operator with the Chat in the bottom right corner or at the addresses listed on the Contacts page.
*
The value specified in the field "Amount (including PS fee)" is approximate and may differ from the fee charged by payment system. Check the exact amount of transaction fee from the support service of the payment system.

More about currencies

Alipay CNY

Introduction to Alipay CNY

Alipay CNY is a leading digital payment platform primarily used within China, offering a comprehensive suite of financial services. As part of Ant Group, an affiliate of Alibaba Group, Alipay CNY serves millions of users and merchants, facilitating seamless transactions both online and offline. Its robust infrastructure and wide acceptance make it a cornerstone of the Chinese financial ecosystem, supporting various payment and remittance needs for individuals and businesses alike.

Key Features and Advantages

Alipay CNY boasts a rich array of features designed to enhance user experience. Users benefit from **fast and secure payments**, integrated **membership and loyalty programs**, and **personal finance management tools**. One of its primary advantages is the **instantaneous transaction processing** coupled with **high-security standards**, which protect users from fraud and unauthorized access. The platform also offers **contactless payments using QR codes**, making it highly convenient for retail, dining, and services, especially during the COVID-19 pandemic. Additionally, Alipay CNY supports **micro-payments and large transfers**, enabling users to split bills, send gifts, or make significant business payments effortlessly.

Funding and Withdrawal Options

Funding options include **direct linkage to bank accounts** via bank cards, allowing seamless top-ups and payments. Users can fund their accounts through **bank transfers**, **credit/debit card payments**, and withdrawals back to linked bank accounts. While **crypto and digital asset options are not supported directly in Alipay CNY**, users can transfer funds from other platforms into their bank accounts linked to Alipay. The platform supports **instant top-ups**, with withdrawals typically processed within **a few hours to a day**, depending on the method and bank procedures.

Operating Countries

Alipay CNY is predominantly operational within **mainland China**, where it enjoys widespread acceptance among merchants, service providers, and government entities. Although it is primarily designed for Chinese yuan transactions, the platform also supports international travelers in China through **visa or Mastercard-linked accounts**. However, **its use outside China is limited** and generally restricted to cross-border transactions within Chinese regulatory frameworks or partnerships with select international merchants.

Payment Types Supported

Alipay CNY offers a **diverse range of payment methods**. Users can pay via **linked credit and debit cards**, **bank wires**, and **e-wallet funds**. The platform is optimized for **QR code-based payments** at physical stores, restaurants, and public services. Mobile payments are a core focus, allowing users to transact directly from their smartphones. Although crypto and digital currencies are not part of Alipay’s offerings, the system supports **mobile payments across Android and iOS devices**, enabling smooth **on-the-go transactions**.

Currency Coverage

As a China-specific platform, Alipay CNY primarily handles **Chinese yuan (CNY)** transactions. Some international features allow limited transactions in **US dollars, Hong Kong dollars, and other major currencies** for cross-border payments or international travelers. However, its core strength remains within the CNY domain, with **currency exchange services available during cross-border transactions**.

Processing Time and Transaction Limits

Most transactions on Alipay CNY are **processed instantly**, providing real-time confirmation for payments, transfers, and fund movements. User-specific **limits vary by tier**, determined by factors such as account verification, transaction history, and regional regulations. Basic user tiers may have **daily limits ranging from a few thousand to tens of thousands of CNY**, while verified users can enjoy **higher thresholds** for both personal and business accounts.

Device Availability and Mobile User Experience

Alipay CNY is available on a wide array of devices, including **Android smartphones, iOS devices, and dedicated payment terminals**. Its mobile app offers a **user-friendly interface optimized for smartphones**, with features such as **scanning QR codes**, **face recognition**, and **voice commands**. The **mobile UX** is designed for **fast navigation** and **simple transaction flows**, making it especially popular among tech-savvy users and first-time users alike.

Integration APIs and Merchant Solutions

The platform provides comprehensive **APIs for merchants**, allowing seamless integration into **e-commerce sites, retail POS systems**, and **service platforms**. These APIs support functions like **payment processing**, **order tracking**, and **customer loyalty management**. Merchants and third-party developers can leverage **Alipay’s SDKs** for **customized checkout experiences**, making it adaptable for various business models and scale.

Security Measures

Alipay CNY employs **advanced security technologies**, including **biometric authentication (face and fingerprint recognition)**, **dynamic passwords**, and **real-time fraud detection algorithms**. It adheres to **strict compliance standards** like PCI DSS, and prioritizes **data encryption** and **multi-factor authentication** to safeguard user funds and sensitive information.

Support Channels and Customer Assistance

Users can access support through multiple channels, including **in-app chat**, **telephone support**, and **official online help centers**. Alibaba and Ant Group maintain **dedicated customer service teams** to assist with transaction issues, security concerns, and general inquiries. The platform emphasizes **efficient response times** and **localized support** tailored to Chinese users, with some international assistance available for key features.

Extra Tools and Value-Added Services

Alipay CNY offers **additional tools** such as **transaction tracking**, detailed **financial reports**, and **spending analytics**. Loyalty programs and **reward points** incentivize users to engage more actively. The platform also integrates **bill splitting**, **money-saving coupons**, and **investment options** like **mutual funds** and **insurance**. For corporate clients, there are tools for **employee expense reimbursement** and **vendor management**.

History, Licenses, and Regulatory Compliance

Founded in 2004 and launched as Alipay in 2005, the platform has grown exponentially, becoming the dominant payment provider in China. It holds all necessary **licences issued by Chinese regulators**, such as the People’s Bank of China (PBOC), ensuring compliance with **local financial laws and regulations**. Its history of innovation and regulatory adherence has established Alipay as a **trusted and licensed entity** within China.

Fees and Cost Structure

Alipay CNY generally **does not charge users for standard transactions**, such as sending money or making payments. However, merchant transactions may involve **small processing fees** depending on the transaction volume or value. Fees are transparent and vary based on **merchant agreements** and **specific service usage**. For certain premium features, third-party integrations, or cross-border transactions, additional fees may apply, typically disclosed beforehand.

Conclusion

Alipay CNY remains a **powerhouse in Chinese digital payments**, combining **ease of use**, **robust security**, and **extensive merchant acceptance**. Its **quick processing times**, **multi-method funding options**, and **strong compliance standards** make it a preferred choice for both individual consumers and enterprises within China. As it continues to expand its ecosystem and improve technological integrations, Alipay CNY's position as a vital financial tool in China is guaranteed to persist, supported by innovative features and unwavering regulatory adherence.

UnionPay Card CNY

Introduction to UnionPay Card CNY Banking Solutions

UnionPay, renowned as a leading card issuer and payment network in China, has established a comprehensive banking ecosystem centered around the use of CNY (Chinese Yuan). With a focus on facilitating seamless payments, transfers, and financial services, UnionPay’s CNY bank offerings cater to individual consumers, businesses, and cross-border clients. Their evolving infrastructure emphasizes speed, security, and convenience, making them a preferred choice in China and increasingly vital on the global stage.

Core Payment Services

Internal Payments

UnionPay’s internal payment services allow seamless transactions within China, enabling cardholders to make merchant payments, bill settlements, and in-app purchases. Integrated with domestic merchant networks, these services ensure quick and reliable fund transfers, leveraging advanced chip-and-PIN technology for secure transactions.

Inter-bank Payments

Inter-bank transfers are facilitated through the UnionPay network, connecting various banks across China. Clients can transfer funds directly from their UnionPay-linked accounts to accounts at other banks, with real-time processing supported by the infrastructure that prioritizes efficiency and security. This service is accessible via online banking or ATMs, providing flexibility for diverse user needs.

Peer-to-Peer (P2P) Payments

P2P payment services through UnionPay enable users to transfer money instantly to friends, family, or business contacts using mobile apps or online platforms. These transactions are often integrated with popular digital wallets, offering easy, fast, and low-cost money exchanges without cash handling or card swipes.

QR Code Payments

UnionPay’s QR code payment solutions are widely adopted across retail, food, and online sectors. Users can scan or display QR codes to facilitate contactless payments. This method emphasizes convenience, hygiene, and speed, especially relevant in a post-pandemic environment, promoting a cashless society.

Instant Payments

UnionPay’s instant payment system ensures that fund transfers and merchant settlements are completed within seconds. Leveraging cutting-edge technology, these services support real-time settlement for domestic transactions, facilitating dynamic commerce and immediate fund access for users.

Cross-Border Transfers for CNY Cardholders

UnionPay specializes in cross-border remittances, allowing users to transfer funds in CNY internationally. The service supports multiple currencies and is integrated with global partner banks and remittance networks. Typically facilitated via digital channels, these transfers offer competitive exchange rates, security, and speed. Customers benefiting include expatriates, international travelers, and overseas businesses expanding into China.

Mobile & Online Banking Services

UnionPay’s mobile apps and online banking platforms provide comprehensive access to account management, transaction history, bill payments, and fund transfers. Their user-friendly interfaces ensure that users can perform complex operations, such as setting up recurring payments or checking transaction statuses, anytime, anywhere. Multi-factor authentication and biometric security features reinforce the safety of these digital channels.

Crypto Operations and Digital Innovations

While traditionally focused on conventional banking, UnionPay has begun exploring cryptocurrency integrations and blockchain-based payments, aligning with China’s digital currency initiatives. Although direct crypto trading may not be available, UnionPay facilitates crypto-related transactions via linked services, digital wallets, or partner exchanges, emphasizing regulatory compliance and security.

Additional Services Enhancing Customer Experience

UnionPay offers a suite of supplementary services including mobile top-ups, insurance products, loyalty programs, and investment products. Their multi-channel approach aims to create a holistic financial experience, encouraging customer loyalty and cross-service usage. Customer support via chatbot, helplines, and branch services ensure accessibility and issue resolution.

Security and Fraud Prevention

Security is paramount in UnionPay’s CNY banking system. The platform employs advanced encryption, real-time transaction monitoring, and multi-layer authentication. Fraud detection algorithms actively identify suspicious activity, while customers are encouraged to enable biometric authentication and set transaction alerts. The combination of robust security measures maintains confidence among users and complies with regulatory standards.

Competitor Comparison

Compared to Alipay and WeChat Pay, UnionPay offers broader acceptance at traditional retail outlets, ATMs, and international merchants. Unlike purely digital wallets, UnionPay integrates traditional banking with digital solutions, providing more comprehensive financial services. When juxtaposed with international players like VISA or Mastercard, UnionPay’s advantage lies in its deep domestic integration, security features, and government backing. However, it faces competition in innovation speed and digital-first user experience, areas where platforms like Alipay excel.

Conclusion

UnionPay’s CNY bank services stand out as a robust, secure, and versatile ecosystem that caters to diverse payment and transfer needs. From swift internal transactions and P2P payments to complex cross-border remittances, UnionPay continues to innovate within China’s rapidly evolving fintech landscape. Its focus on security, convenience, and user-centric solutions positions it well to maintain dominance domestically, while strategic collaborations expand its international footprint. As the digital economy advances, UnionPay adapts through technological innovations, integrated services, and a commitment to customer safety, solidifying its role at the heart of China’s financial infrastructure.